Quick follow up (I think this was added later?). Absolutely agree, no one should dismiss anyone’s desire to innovate.
But, and I’d hope this was clear in my post - again very sorry if it wasn’t - the mindset here is a corporate one. Individual employees don’t publish strategy - organisations do. Your point about internal obstacles is well made and, I think, supports the notion that if (and that’s a big if - I’m just another uninformed person behind a keyboard) Lloyds is starting from a legacy mindset (waterfall planning, internal bureaucracy, hierarchy and control, leading to inability to deliver and iterate rapidly and at pace etc etc) then the right mindset isn’t in place.
I might be wrong. Others’ views may vary!